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    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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Shergroup HCEO Notice of Enforcement - Co-op funeral debt CCJ


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Hi

 

Thank you for allowing me to post on your informative website.

 

I am after some advice please.

 

A CCJ was entered against me, mid May this year for £2300.

 

I’m not disputing that I don’t owe this money.

 

I have received a notice of enforcement from Shergroup Enforcement telling me that if I don’t contact the by 5pm on the 23/6 I can expect a visit at home☹️.

 

The letter only arrived this morning.

 

What should I do if they turn up.

Obviously I won’t answer the door to them or sign anything.

The property belongs to a housing association.

 

I have a car but it is on finance but I’m guessing to be on the safe side I should hide it.

 

I have two vulnerable children at home both under the age of 16.

 

I will be able to clear the debt in full in a couple of months.

 

Thanks

J

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who got the CCJ [the claimant]

and whats the debt about please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The claimant is the midcounties co-operative ltd.

The debt is for an unpaid family members funeral. (Not good I know..... it’s a long story. Hope that is not too outing).

Thanks

J

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aw shame was there not enough money in their bank a/c to pay the funeral?

 

anyway you need to contact the bailiff and arrange suitable payment arrangements within the 7days

are they operating as HCEO here, I suspect they are?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No. There were no funds in their bank account.

Yes I can contact them

Just wondering what I should do if the high court enforcement officers turn up.

Thanks

J

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don't let them in

theres no right of forced entry.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

thread title updated

 

how olds this CCJ?

 

I was wondering if you could do an n245 like here

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?485118-Funeral-Debt-Ccj-adding-interest-daily

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The ccj is from 17/5/18.

As I said I should be able to pay the debt off in full by mid/end of July as the deceased’s property will be sold.

Thanks J

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not sure exactly which direction to go:

 

ring shergroup and tell them that [and that you are going for an N245]

 

ring the court an tell them it will be paid by xx date and what do they recommend?? N245?

 

or both?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

What date is on the Notice of Enforcement you have received?

Do you still have the envelope it came in?

If so how was it posted?

 

I note what you say about making contact and will suggest if no contact made by tomorrow they could well turn up on Sunday.

Do not let them in they have no right of entry regardless of anything they may say.

 

In the meantime you need to download and fill in an application for a Stay of Execution against the Writ.

 

Depending on answers above will give grounds for application.

It does appear you will have no grounds to have the matter Set Aside but could go for a Variation allowing you to pay at a reasonable rate without all their fees.

 

They will be looking at payment in full only and may not entertain a voluntary payment plan.

Edited by dx100uk
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not sure exactly which direction to go:

 

ring shergroup and tell them that [and that you are going for an N245] - don't ring it will encourage them to attend

 

ring the court an tell them it will be paid by xx date and what do they recommend?? N245?

 

or both?

 

 

Possibly not much can be done at this time on a Friday.

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Tnx pt

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

what estate did they have?

estate is stuff like property, cash, stocks and shares, important works of art or collections. It is not stuff like furniture or other effects, personal jewellery car and so forth.

 

Lastly why did it get to a court claim, funeral directors normally give people a year to cough up as the deceased is supposed to pay for their own funeral ( they all create a contract with the living though or people would do the dirty).

 

If they had an estate did they leave a will?

If not then unless you had permission from the govt it isnt your place to make decisions in this regard.

 

Hate to say it but bodies get left in mortuaries for a long time sometimes so unless you are the nearest relative you act of kindness has been misplaced and it has now come back to bite you and the other relatives shuld be ashamed.

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If they had an estate did they leave a will?

If not then unless you had permission from the govt it isnt your place to make decisions in this regard.

 

 

That would depend on the circumstances surrounding the deceased's estate. Your statement is certainly inaccurate and given the nature of the subject, unnecessary scaremongering.

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HCEOs cannot visit on Sundays or Bank Holidays.

 

Enforcement agents are permitted to enforce 7 days a week, except for Bank Holidays and Christmas Day.The time of visit will take place between 06:00 and 21:00

We could do with some help from you.

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If you want advice on your Topic please PM me a link to your thread

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Enforcement agents are permitted to enforce 7 days a week, except for Bank Holidays and Christmas Day.

 

 

The Taking Control of Goods Regulations 2013 states any day of the week but the Taking Control of goods National Standards while not legally binding states "Enforcement agents should be respectful of the religion and culture of others at all times. They should carefully consider the appropriateness of undertaking enforcement on any day of religious or cultural observance or during any major religious or cultural festival" which arguably covers Sundays being a day of religious observation as that is why Bank Holidays and Christmas Day are considered to be inappropriate.

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show me where this is wrong,

a person has to apply for a grant of representation.

 

If there is no estate then nothing to administer but the law is fixed on how things are done and who gets what.

 

As for scaremongering,

i am trying to point out that they may have not been liable for the debt in the first place and as an addition to that it may be possible to get the CCJ set aside on the grounds that they arent liable for the debt but the actual next of kin.

that person or persons is also determined by law and also the pecking order.

 

That would depend on the circumstances surrounding the deceased's estate. Your statement is certainly inaccurate and given the nature of the subject, unnecessary scaremongering.
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ericsbrother said:
what estate did they have?

estate is stuff like property, cash, stocks and shares, important works of art or collections. It is not stuff like furniture or other effects, personal jewellery car and so forth.

 

Lastly why did it get to a court claim, funeral directors normally give people a year to cough up as the deceased is supposed to pay for their own funeral ( they all create a contract with the living though or people would do the dirty).

 

If they had an estate did they leave a will?

If not then unless you had permission from the govt it isnt your place to make decisions in this regard.

 

Hate to say it but bodies get left in mortuaries for a long time sometimes so unless you are the nearest relative you act of kindness has been misplaced and it has now come back to bite you and the other relatives shuld be ashamed.

 

Yes thats correct, we see time and time again where family arrange the funeral for a deceased relative where the estate of the deceased had no funds or assets. The relatives or even the friends that organise it then pay for the funeral.

 

Best bet would be to ring the EA(ask the office for his number). Ask him to come round to assess your circumstances.

Show him the car finance details, he wont have an interest in that then.

If you have little to no goods of value in the house, then there will likely be nothing for him to do but look to set an arrangement with you.

Feel free to refuse him access. Its your right to do so.

But if you are confident you have nothing of resale value in the house, then its not an issue as he probably wouldnt even threaten a removal.

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show me where this is wrong,

a person has to apply for a grant of representation.

 

If there is no estate then nothing to administer but the law is fixed on how things are done and who gets what.

 

As for scaremongering,

i am trying to point out that they may have not been liable for the debt in the first place and as an addition to that it may be possible to get the CCJ set aside on the grounds that they arent liable for the debt but the actual next of kin.

that person or persons is also determined by law and also the pecking order.

 

 

Unfortunately the person who arranged this is the one responsible.

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show me where this is wrong,

a person has to apply for a grant of representation.

 

If there is no estate then nothing to administer but the law is fixed on how things are done and who gets what.

 

As for scaremongering,

i am trying to point out that they may have not been liable for the debt in the first place and as an addition to that it may be possible to get the CCJ set aside on the grounds that they arent liable for the debt but the actual next of kin.

that person or persons is also determined by law and also the pecking order.

 

 

If a person arranges the funeral of a deceased person and agrees to a contract to provide that service, that person is then liable for the debt. Voluntarily paying for a funeral has nothing to do with a grant of representation, it is a separate issue from administering the estate. Yes, the funeral cost could have been met from any equity in the estate but that did not happen.

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